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mortgage lenders · HMDA 2023–2025

Mortgage lenders in Oswego County, New York

Fat Boy Data analyzed home purchase mortgage activity in Oswego County, New York to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 3,343 applications were decided by 116 lenders between 2023 and 2025.

Oswego County at a glance

116Active lenders36 with 20+ decisions
83.4%Market approval rate2,787 of 3,343 decided
$165KTypical loanmedian lender, $10K brackets
94%Borrower take-up2,608 loans funded

How Oswego County compares

Approval rate compared
Oswego County83.4%New York87.7%All 616 counties87.6%
Typical loan compared
Oswego County$165KNew York$495KAll 616 counties$335K

What the data shows

Empower Federal Credit Union made the most home purchase mortgages in Oswego County, NY, 362 of them.

Compass Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 28.

The typical home purchase mortgage here is $165K, 67% smaller than the New York typical of $495K.

Approval rate of all 36 lenders with 20+ decisions here
0%25%50%75%100%21St Mortgage Corporation: 34% approved of 213Tammac Holdings Corporation: 41% approved of 29Credit Human Federal Credit Union: 49% approved of 77Triad Financial Services, Inc.: 51% approved of 78KeyBank National Association: 65% approved of 48USAA Federal Savings Bank: 70% approved of 23Rocket Mortgage, LLC: 78% approved of 155Plaza Home Mortgage, Inc.: 81% approved of 119Community Bank, National Association: 82% approved of 153Mortgage Research Center, LLC: 83% approved of 81AMERICU Credit Union: 83% approved of 118Navy Federal Credit Union: 83% approved of 30Wells Fargo Bank, National Association: 83% approved of 24NBT Bank, National Association: 84% approved of 561St Priority Mortgage, Inc.: 86% approved of 21Hunt Mortgage Corporation: 86% approved of 65JPMorgan Chase Bank, National Association: 88% approved of 24Sidney Federal Credit Union: 88% approved of 25Manufacturers and Traders Trust Company: 89% approved of 45Genesee Regional Bank: 90% approved of 97Farm Credit East, ACA: 90% approved of 20Geddes Federal Savings and Loan Association: 91% approved of 32Empower Federal Credit Union: 92% approved of 406United Wholesale Mortgage, LLC: 92% approved of 65Premium Mortgage Corporation: 93% approved of 42Paragon Home Loans Inc.: 93% approved of 61Northern Credit Union: 94% approved of 47Primelending, A Plainscapital Company: 94% approved of 69Movement Mortgage, LLC: 95% approved of 177Oswego County Federal Credit Union: 95% approved of 21Everett Financial, Inc.: 96% approved of 79Pathfinder Bank: 97% approved of 152Sefcu Services, LLC: 97% approved of 67Fulton Savings Bank: 97% approved of 209Homestead Funding Corp.: 98% approved of 116Compass Federal Credit Union: 100% approved of 28

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Mortgage lenders in Oswego County

LenderApprovalApprovedTaken upTypical loanLoans made
1Empower Federal Credit Union92%374 / 40697%$145K362
221St Mortgage Corporation34%73 / 21389%$125K65
3Fulton Savings Bank97%203 / 20997%$165K196
4Movement Mortgage, LLC95%168 / 17786%$175K144
5Rocket Mortgage, LLC78%121 / 15599%$155K120

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 111 more lenders.

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